ISOnet

PAAS™ on ISONet

Whether you’re a premium auditor, an underwriter, an agent, or a broker, ISO's Premium Audit Advisory Service (PAAS™) is your source of technical information and training related to commercial casualty issues. PAAS information helps you properly classify exposures for general liability, commercial auto, and workers compensation. PAAS offers a wide range of essential services, including more than 40,000 classification guides and more than 500 bulletins. You get these valuable services:

PAAS Workers Compensation and General Liability Classification Guides feature detailed descriptions of all state-specific and national classifications, as well as cross-references to general liability, workers compensation, SIC, and NAICS codes.
The Rating Information section gives you up-to-date information on changes in payroll limitations and outstanding workers compensation rate changes. The Chart of State Exceptions provides a side-by-side view of state exceptions, bureau rules, and PAAS interpretations for workers compensation.
Payroll Analysis is a tool that lets you compare your policyholders' reported payroll and revenue with average data compiled by the U.S. Census Bureau. You simply enter a few pieces information supplied by your insured, plus the workers compensation code, general liability code, or NAICS code. Choose the state and, if you wish, the county. Payroll Analysis responds with Census data including the average number of employees per establishment, the average payroll per employee and per establishment, and the average revenue per employee and per establishment. For the average payroll and revenue per employee, the report highlights the percentage difference between your insured and the Census figures.
Industry Guides provide in-depth information on the classifications appropriate for each operation and suboperation associated with the covered industries.
The Consultation link provides technical advice and guidance from expert PAAS staff.
InfoLinks pages contain direct links to other websites that PAAS staff has identified as particularly useful to PAAS customers.
Bulletins in three types (Educational, Board & Bureau, and Legislative) help you keep current on premium audit issues.
Just the FAQs is a useful compilation of questions and answers from the PAAS consultation service. Your PAAS subscription includes access to free technical consultation by e-mail. Now, PAAS on ISOnet brings you the benefits of the PAAS staff's expert answers to questions of interest to PAAS subscribers. With Just the FAQs, you can do full-text searches for the information you need — or browse the questions in 15 relevant categories. We're adding new topics every month, so check back often.
ISO's PAAS™ Training Manuals
ISO's Premium Audit Advisory Service (PAAS) offers comprehensive training manuals for beginning premium auditors and reviewers. The self-contained manuals are available for workers compensation, general liability, and commercial auto.

For many insurance companies and premium audit service companies, PAAS manuals form the core of the training program. Your new auditors and reviewers will learn about:
- classification procedures
- rating techniques
- application of manual rules
- policy forms and coverages
To reinforce learning objectives, the manuals contain progress examinations with full explanations of the answers to all questions.

The PAAS training manuals are for use in a classroom setting, with experienced instructors. For companies that want self-paced web-based training — and for agents and brokers — PAAS offers the Technical Achievement Program (TAP).